Frequently Asked Questions

What does 80% co-insurance mean?

Insurance carriers require that an insured party cover at least 80% of the property’s value in order to collect a partial loss in full.


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Contact Information

Churchville location »
2907 Churchville Road, P. O. Box 70
Churchville, MD 21028

Elkton location »
211 West Main Street
Elkton, MD 21922



As farm specialists in the Harford and Cecil County area, Lassen, Marine & Webster can assess your unique needs and risks to recommend the best insurance for you whether you’re running a large-scale operation or small family farm.


Traditionally known as scheduled personal property and other structures insurance, equipment insurance protects the equipment used to keep your farm operating, including tools, livestock, feeding tracks, irrigation systems, etc.

Your farm requires an abundance of equipment to keep it running smoothly. Equipment insurance, traditionally known as scheduled personal property and other structures insurance, covers anything from livestock to machinery. Scheduled personal property and other structures are insured against the following perils:

  • Fire
  • Lightning
  • Windstorm & hail
  • Theft
  • Smoke
  • Vandalism and malicious mischief
  • Collision explosion
  • Additional perils for livestock:
    • Attack by wild animals or dogs (sheep not included)
    • Accidental drowning
    • Accidental shooting
    • Electrocution

Scheduled Personal Property
  • Farm machinery
  • Irrigation equipment
  • Livestock
  • Protects newly acquired farm equipment for a certain period of time
  • Covers equipment/tools rented, borrowed or leased

Additional Structures
  • Barns
  • Silos
  • Portable buildings & structures
  • Fences
  • Corrals
  • Pens
  • Chutes
  • Feed tacks
  • Private power & light poles

Optional Coverages Include:
  • Custom Farming
  • Earthquake
  • Extra Expense
  • Limited Pollution Liability
  • Loss of Earnings
  • Seasonal Coverage